Have you been denied disability benefits from The Standard?

Why Does The Standard Deny Long Term Disability Claims?

Most individuals who receive a disability claim denial from The Standard are initially stunned by the decision. Inside your denial letter, the insurer will provide their reasoning for the decision.

Most insurers deny claims not out of cold-hearted vindictiveness, but based on several predictable reasons:

• Application errors
• Missed deadlines
• Insufficient medical documentation
• Conditions that don’t meet your policy’s definition of disability
• “Any occupation” language
• Policy exclusionary periods
• Social media activity that contradicts your disability claim

What these denial reasons often mean is that you were denied on the basis of a technicality, not because you are not suffering from a legitimate disability.

The good news is that The Standard disability claim denials can be appealed, and your denial letter gives you the best place to start.

How a Long Term Disability Attorney Can Help You Appeal Your Claim Denied by The Standard

Fields Law has helped thousands of clients nationwide appeal The Standard disability insurance decisions. That process starts by breaking down your denial letter.

Together, we’ll review the reasons The Standard gave for your denial and conduct a review of the specific language in your policy. Sometimes policies have restrictive language, like “own-occupation” and “any-occupation” standards that can affect your eligibility.

Other times they may cite a lack of medical evidence. Whatever the reasons they give, our LTD appeal lawyers for The Standard will prepare an appeal that directly addresses them.

Your appeal documents will be professionally prepared and submitted within ERISA’s strict deadlines. We’ll gather medical records from your treating physicians as well as statements from vocational professionals that demonstrate the impacts your disability has on your ability to work.

Our team will build a comprehensive case that gives you the best opportunity to appeal your denial.

Understanding ERISA and The Standard Disability Appeals

The Employee Retirement Income Security Act (ERISA) governs most Long Term Disability policies provided by employers. This federal law gives policyholders the right to challenge a denial and even sue for benefits and breaches of fiduciary duty.

However, once a policyholder has been denied, a strict timeline for filing an appeal begins. Missing the appeal deadline can forfeit your right to appeal.

Working with a Long Term Disability appeal attorney familiar with The Standard gives you the best chance to have your claim professionally prepared and filed within ERISA deadlines.

ERISA is about more than just deadlines. It also determines what evidence will be allowed in court if the claim proceeds to litigation. That makes it especially important to gather sufficient evidence to support your disability claim before submitting your appeal. A disability denial lawyer for The Standard claims will help you gather and prepare all the documentation necessary.

Fields Law will help you create a detailed record of your disability that includes medical records and statements from your physician as well as vocational experts that explain how your condition affects your ability to work.

Our goal is to create a comprehensive body of evidence that presents a strong appeal, while also providing backup in the event of a lawsuit against The Standard for disability claim denial.